NAB Credit Cards

NAB offers a range of credit cards to suit different spending habits and goals. Depending on the card you choose, you can save on credit card costs, be rewarded for your spending, earn more frequent flyer points or enjoy complimentary extras such as travel insurance. If you're a business owner, you could also manage your finances and keep track of employee spending with a NAB business credit card account.

Use this guide to compare NAB credit cards and weigh up the costs, features and benefits. You can also apply for a NAB credit card by clicking the "Go to site" button, or hit "More info" to read a detailed review of any NAB card you want to know more about.

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Types of NAB credit cards

NAB credit cards can suit many different needs, with low rate and low fee options, as well as reward and frequent flyer cards. There are also platinum and premium credit cards that offer more benefits, such as complimentary insurance. Here's a summary of each of the main types of NAB credit cards you can choose from:

Low rate and low fee credit cards

Low rate and low fee credit cards can help you avoid the high account costs that come with some other credit cards. NAB offers a range of credit cards with competitive purchase rates, low annual fees and interest-free days on purchases, as well as introductory balance transfer offers.

Rewards and frequent flyer credit cards

NAB rewards credit cards offer you points for your spending, with a choice of either NAB Rewards or Qantas Frequent Flyer rewards. Some NAB reward cards also give you perks such as complimentary travel insurance and purchase insurance cover.

The benefits of banking with NAB

Some of the features you can enjoy when you get a NAB credit card include:

NAB Internet and mobile banking

If you have a NAB card, you can access your account through NAB Internet and mobile banking. This means you can manage your account, make payments to other accounts in Australia and overseas, request a credit limit increase or apply for another NAB product at any time.

NAB credit card complimentary travel insurance

Some NAB rewards and premium credit cards come with complimentary travel insurance. Available to eligible cardholders and issued by QBE Insurance, the types of cover you can get include overseas medical, cancellation or holiday delay costs, emergency travel arrangements, accommodation expenses and missed connections. You must use your eligible NAB card for a minimum of $500 prepaid travel costs and meet the eligibility requirements to activate the cover. For details of the insurance available on specific cards, refer to the NAB complimentary credit card insurance booklet (available on the NAB website).

NAB credit cards offer several different reward options. If you choose a card that earns points through the NAB Rewards program, you'll be able to use your points for a range of rewards including frequent flyer points, travel, merchandise and gift cards. NAB also offers Qantas frequent flyer credit cards that earn Qantas Points per $1 spent on eligible purchases. On 13 November 2017, NAB ended its partnership with flybuys and stopped offering the flybuys Reward card.

How to apply for a NAB credit card

If you've compared your options and decided you'd like to apply for a NAB credit card, you can begin your secure online application by clicking on the green "Go to site" button. This will take you to a secure NAB credit card application page, which should take about 15 minutes to complete if you have all the necessary documents and details ready.

Before you get started, make sure you meet the eligibility requirements and have the necessary documents on hand. These requirements can vary between cards but generally include the following details:

Eligibility requirements

How old are you? You must be at least 18 years old to apply for a NAB credit card.

What is your Australian residency status? You usually need to be an Australian citizen or permanent resident of Australia to apply. If you're not a permanent Australian resident or citizen, NAB may require details of your last overseas address. As card requirements vary, make sure you check the residency status requirements before you apply for any NAB credit card.

What is your credit history like? Ideally, you should have a good credit history and no recent evidence of defaults or bankruptcy.

Information you need for your application

If you meet the eligibility requirements, start collecting the following information to ensure your application goes smoothly:

Personal information. You'll need to provide personal information such as your address and your contact information. You'll also need to verify your identity by providing an accepted form of identification, like your driver’s licence number.

Financial information. You will also need to detail information about your employment, income and assets like shares or property and your employer’s contact details. If you're self-employed, you may need to provide information regarding your expenses, liabilities and your accountant's contact information.

NAB offers credit cards with a range of competitive features that suit different spending habits and needs. As there are many other credit card products on the market, it's important to compare your options before applying.

Frequently asked questions about NAB credit cards

Want to know more about credit cards from NAB? Here, you'll find answers to some of the most commonly asked questions about NAB credit cards. If you still can’t find the answer to your question, or if you want to leave us some feedback, get in touch using the form at the bottom of the page.

If you want to repay an existing balance, you could take advantage of a promotional low or 0% balance transfer offer with a NAB credit card. This allows you to consolidate your debt and pay it down without the burden of interest for a promotional interest.

To get a promotional balance transfer interest rate, you must request the balance transfer at the time of your application for an eligible NAB credit card. Note that balance transfer offers are not available for debt you may have on existing NAB credit card accounts.

You can pay off your NAB credit card using the following options:

BPAY. Transfer funds from any eligible Australian bank account by using the Biller Code 1008 and entering your NAB credit card number as the Customer Reference Number. Remember to allow up to two business days for the payment to go through.

NAB Internet Banking or mobile app. If you're making a payment from another NAB account, log in to your NAB account online or via the NAB App, select the card and follow the prompts to make a payment.

NAB Telephone Banking. Call 13 22 65 and follow the prompts to make a payment.

Direct debit. You can set up a direct debit from a NAB account using Internet Banking or by filling out a Direct Debit Request form available on the NAB website. Note you'll need to provide the account number and BSB of the bank account you'd like the payment to come out of each month, as well as choosing whether the direct debit will be for the minimum amount, full amount or a fixed dollar amount.

NAB branch. You can pay off your credit card in person at any NAB branch.

At Australian Post. You can repay your NAB credit card at an Australia Post outlet that offers the Bank@Post service. You'll need your credit card and PIN to complete the repayment.

To set up Internet banking, you will need the following information on hand:

Your NAB identification number, found on the back of your NAB credit card

One of the following: Your mobile phone number (if you've provided it or registered for SMS security); your NAB Telephone Banking password; or a temporary password that was issued at a branch. If you can’t recall what your temporary password is, call NAB on 13 22 65.

Once you have these details, head to the NAB website and click on the "Register" button. Enter your details and create a secure Internet banking password. From here, you can activate a range of services that allow you to pay different accounts with ease.

Yes. NAB classifies the annual fee as a purchase. Therefore, if you have a card with no interest on purchases for the first few months, you won’t have to pay interest on the fee unless you haven’t repaid the amount by the time the revert rate kicks in. Similarly, if your card offers interest-free days on purchases and you repay your balance in full in the previous statement period, your annual fee won’t accrue any interest.

If your card has been lost, stolen or damaged, you can immediately block it and request a replacement through your NAB Internet bank account or the NAB mobile app. You can also use these services to temporarily lock your NAB credit card while you try to find it or request a replacement for a damaged card.

To find these options, simply log in to your account online or via the mobile app, go to the "My cards" section and click on "Manage my cards". You can then choose between the options above.

Alternatively, you can call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and1300 489 410 respectively. If you’re overseas, you can call +61 3 8641 9121 instead.

Your credit card expires on the last day of the month shown on the front of your card. For example, if your card lists an expiry as 11/21, it would expire on 30 November 2021. NAB will automatically send you a replacement card about two weeks before the expiry date that's listed on your card.

If your card has expired and you haven’t received a replacement card, call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and1300 489 410 respectively. Alternatively, you can visit a NAB bank branch.

If you want to increase or decrease your credit card limit, call NAB on 13 22 65 from 8am to 7pm Monday-Friday or 9am to 6pm on weekends (AEST). If you're overseas call +61 3 8641 9083 during these hours. If you're requesting a credit limit increase, you'll be asked to provide current employment and financial information. Note that credit limit increases are subject to criteria and approval.

The NAB Identification Number (NIN) is a unique identifier that is issued to all NAB customers. You can find your NIN at the back of your card, near the top, it is an 8-digit number. If you would like to confirm or reset your NIN, you may call customer service on 13 22 65.

Every card comes with a 3-digit security number (or CVV number) that is used for certain transactions to verify the ownership of the card. You can find your security number at the back of your NAB card, right beside the signature field. You can find out how your CVV number works in this guide.

You can permanently close a credit card account with NAB by calling 13 22 65 or +61 3 8641 9083 if you're overseas. You can also cancel your credit card by sending NAB a secure message via Internet Banking. Before closing your account, make sure all outstanding balances are paid off.

If your card has been lost, stolen or if you see suspicious transactions on your account, you can temporarily block it instead of cancelling it by calling 1800 033 103 in Australia or +61 3 8641 9121 from overseas. You can also do this at any time through the NAB Mobile Banking app or NAB Internet Banking.

Learn more about the bonus and rewards points you can earn with the NAB Rewards Business Platinum Card and how you can take advantage of other features such as the waived annual fee and complimentary insurances.

Enjoy a bonus Qantas Points for eligible spending plus get on balance transfers for the first months with the NAB Qantas Rewards Premium Credit Card.The NAB Qantas Rewards Premium Card is built around the “more is better” rule. This high-end card includes perks such as complimentary insurance, a platinum concierge service, and travel and dining […]

NAB Business Payments Card is an option for small to medium sized businesses and does not attract annual account-keeping fees. This card does not have a direct link to the transaction account, protecting money in the account from unauthorised access.

89 Responses

AjOctober 4, 2017

How does balance transfer cards work? One has to apply for balance transfer amount at the time of application, if I am not sure, how much I need to balance transfer (I have not made any expense from my existing card)? Can I just apply for tentative balance transfer amount and once I my expenses limit (From existing card) reach to balance transfer amount, I simply call bank and ask them to transfer?

Hi, I recently opened a Platinum dual credit card with NAB, and on the finder website, it said there is a 50,000 Qantas bonus points if you spend $2,500 within first 3 months. The bank doesn’t seem to know about this and I cannot now find this on the finder website. Can you please elaborate?
Thank you

You might be referring to NAB Rewards Platinum Card where you can get 50,000 bonus points in the first 60 days when you meet the spend requirements. Plus earn at least 2 points per $1 spent in the first 6 months (capped at 10,000 per month). You can check this by going to this page.

You may avail this by clicking the ‘Go to site’ from our finder page then it will direct you to NAB official site to submit an online application.

I filled out online application form for a nab credit card. After getting to the approved page except for info needed I lost everything off my phone so I’m not sure if the application went through or not

Generally, credit card companies process applications within 1-2 weeks. However, if you want to make a follow-up of your application, you can call the card issuer directly. You may like to get an idea on how to track the status of your application on this page.

With NAB Premium or NAB flybuys Rewards cards, you’ll be able to receive the complimentary travel insurance. There’s also cover for rental vehicle accidents and extended warranty. You can find more details about NAB complimentary insurance here.

I will be travelling to the U.S next month and have a Cash Passport card, but would also like to use my NAB Mastercard (low fee card) overseas. If I put my NAB Mastercard in “cash positive” credit so i’m using my own money like a debit card, will that be better than putting all my money on the Cash Passport card which doesn’t seem to offer a very good daily exchange rate?

As a comparative service, we can’t actually recommend any one specific product, service or strategy to our users as the best option will always depend on your individual financial situation and needs.

You may like to consider and compare the currency conversion fees, overseas ATM withdrawal fees and other foreign transaction fees that come with using both cards to decide which one compliments your holiday spending habits better. When using the Cash Passport, your funds will remain locked into the exchange rate that was in place at the time of loading.

You can view a list of the NAB Rewards Credit Cards under the’Rewards credit cards’ heading on our NAB Credit Cards page.

Using the table, you can compare the NAB Rewards Credit Cards against each other and against other rewards credit cards in the market. If one seems of interest, you can then click the ‘go to site’ button for further information.

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